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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,789 | $138,114-87.1% | $125,391-85.8% | $134,545-86.8% |
| Participation rate | 83.3% | 84.5%-1.2pp | 82.4%+0.9pp | 81.2%+2.1pp |
| Annual return | -29.54% | 750.88%-780.4pp | 572.41%-602.0pp | 418.37%-447.9pp |
| Employer contribution / active EE | $2,642 | $5,246-49.6% | $4,816-45.1% | $4,742-44.3% |
| Participant deferral / active EE | $6,628 | $7,801-15.0% | $7,448-11.0% | $6,401+3.5% |
| Admin fee / account holder | $1,650 | $11,570-85.7% | $10,009-83.5% | $11,431-85.6% |